Overview

An innovative platform product and business application invested in, developed and launched by Agree Technology, it is the infrastructure of future embedded finance.

Its mission is to build a bridge between financial technology and banking, to promote innovation and cooperation between financial institutions and financial technology companies, and to provide services and support for many banking institutions including large national banks, city commercial banks, rural credit cooperatives, rural commercial banks, town and village banks, which will be the boosters of bank 4.0 transformation, help banks integrate into the ecology, and promote ecologically connected banks.

Advantages

1. Cutting-edge open banking concept and mature open banking system, API specifications and qualification standards;

2. Leading standard API catalog (account + payment + product + data, etc.) and client featured API service expansion;

3. Elegant API design and definition: Richardson 3+ Maturity, true Restful, Swagger;

4. Financial level security compliance (platform + user + data) and stable scalability (high reliability + high performance + high expansion);

5. API gateway (city duplex/two places three centres) support 7*24 hours uninterrupted service, and flexible support grey;

6. Easily create HTTP/RESTFUL API endpoints for existing system services and leading online sandbox practices;

7. Dynamically configurable multi-dimensional and multi-granularity flow control and fusing to ensure designated channels and back-end services;

8. Adopt industry-leading Oauth2.0/OIDC technology to achieve access token/authentication authorisation and user consent mechanism;

9. The new monitoring system supports all-round full-link monitoring alarms, which can intuitively analyse and statistics API activities and business operations;

10. Products are based on self-development research, with complete intellectual property rights, product source code and supporting documents, and excellent user experience;

11. Based on Agree Technology’s stable and mature platform product base, advantages are reused and fully compatible, and the technical system has been tested in practice;

12. The team is complete with the capability of efficient and reliable product design and development and solution implementation, which can quickly support the full range of demands.

Solve Problems For Customers

1. Provide a set of development/operation/operation/operation solutions to meet the business scenarios of derivative mutual finance;

2. Sort out and integrate the existing service capabilities of clients, easily host a particular scale of APIs, and efficiently open APIs to the outside world;

3. Simplify the complexity of client partners’ access to client systems, standardise the process, and reduce repeated development;

4. Unified management of client internal services and external application access, simple maintenance, clear call relationship;

5. Unified monitoring of the overall operation and API call activities, timely alarm and early warning, one-click start and stop easy limit;

6. Help clients gradually provide a rich, comprehensive financial service SDK to meet the needs of business scenarios;

7. Help clients introduce external service providers and services, provide supporting services and gradually derive more applications;

8. Help clients build a partner ecosystem, open more applications, and cover more users with services.

9. Delivering business value to clients by expanding the variety and number of external cooperative enterprises, attracting potential clients while enhancing engagement, building extensive virtual business channels, and optimising the efficiency of financial business capabilities.

Implementation Case

Up to now, the client types cover provincial rural credit institutions (trillion scales), national large joint-stock banks, city commercial banks (including trillion scales), rural commercial banks, foreign banks (Hong Kong, Macao and Taiwan solely owned), financial services institutions (2021 Guangdong-Hong Kong-Macao Greater Bay Area venture capital institutions TOP30), in the next five years, continue to occupy a place in the open banking market.